Park State Bank

BankDuluth, Minnesota
www.parkstatebank.com

Total Assets

$1.5B

Total Deposits

$1.2B

Branches

18

Established

1916

TFS Health Grade

$
C

76.2 / 100

Average financial health

How we grade

Park State Bank is a bank headquartered in Duluth, Minnesota, established in 1916. With $1.5B in total assets and 18 branch locations, it has a TFS Financial Health Grade of C (76.2/100).

Capital & Safety

Tier 1 Capital Ratio
9.98%(8%)
Total Capital Ratio
15.75%(10%)
Non-Performing Loan Ratio
0.69%

Profitability

Return on Assets (ROA)
1.44%(1%)
Return on Equity (ROE)
14.54%(10%)
Net Interest Margin
3.30%
Efficiency Ratio
48.56%(60%)

Lending & Liquidity

Total Loans
$894.8M
Loan-to-Deposit Ratio
72.52%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+5.30%
Deposit Growth (YoY)
-2.66%
Net Income
$20.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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